What is In-Hand Salary?

In-hand salary (also called take-home salary or net salary) is the amount that gets credited to your bank account each month after all deductions.

In-hand vs CTC vs gross

CTC = total cost to company (annual). Gross salary = CTC minus employer-side components like employer EPF. In-hand = gross minus your deductions (tax, employee EPF, NPS, professional tax, etc.).

What is deducted from gross to get in-hand?

• Income tax (TDS)
• Employee EPF contribution
• NPS (if opted)
• Professional tax (state-wise)
• Other voluntary deductions

How to calculate in-hand from CTC

Use an accurate salary calculator that applies current tax slabs, EPF rules, and professional tax. Enter your CTC, city, and components to get exact in-hand per month.